- Bedrooms
- 3
- Bathrooms
- 1
- Square Feet
- 1,280
- Lot Size
- 0.32 acres
- Year Built
- 1962
- Stories
- 1
- Type
- Single Family Home
- MLS #
- 6261204
Own a home in Cowden?
22 homes sold in Cowden in the last 24 months, at a median of $127,450.
Photos
Property Video
About This Property
417 E Elm Street is a 3-bedroom, 1-bath, 1,280 sq ft home on 0.32 acres in Cowden, IL, listed at $99,900 by Shelby Realty Services.
Affordable 3 bedroom, 1 bath home ready for new owners! Situated on nearly 1/3 acre lot, this home includes updated HVAC in 2021, all appliances, remodeled bathroom, and garden shed in the back yard for extra storage. Quick access to IL-128, concrete driveway, and covered 1-car carport. This house is priced to sell and ready for new owners!
Features
- •Stories: 1 Story
- •Sewer: Public Sewer
- •Style: Ranch
- •Total Rooms: 7
- •Basement: Crawl Space
- •Above Grade Finished Area: 1280
- •Appliances: Dryer, Dishwasher, Gas Water Heater, Range, Refrigerator, Washer
- •Carport Spaces: 1
- •Construction Materials: Vinyl Siding
- •Cooling: Central Air
- •Directions: IL-128 to East Elm, East to property
- •Exterior Features: Shed
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Location
417 E Elm Street, Cowden, IL 62422
This parcel in gold, the neighbours in white (hover to name one, click to open it) · PIN 0524-03-13-301-007. Parcel lines are approximate, for reference only — not a survey, and not a guarantee of boundary location or acreage.
About This Location
- School district
- Cowden-Herrick Community Unit School District 3A
- Fire protection district
- Cowden Fire
- Community college district
- Lakeland Jr. College
- Parcel number
- 0524-03-13-301-007
Grades KG-12
Reference-layer screening only — school district, zoning, TIF, and district boundaries are as-published by the county/state and are not a legal determination; confirm with the district/county authority.
Sources: Illinois State Board of Education / UIUC IECAM (2023) · Shelby County / Bruce Harris & Associates (REACH)
Schools
Served by Cowden-Herrick CUSD 3A (P-12)
District websiteCowden-Herrick Grade School
Grades K - 5- Enrollment
- 173
- Student attendance rate
- 94.6%
- Chronic absenteeism
- 13%
- ELA growth percentile
- 52nd
Cowden-Herrick Jr/Sr High School
Grades PK - 12- Enrollment
- 165
- Student attendance rate
- 92.2%
- Chronic absenteeism
- 28.9%
- 4-year graduation rate
- 93.3%
- 9th grade on track
- 85%
- ELA growth percentile
- 45th
Illinois ESSA summative designation, best to lowest: Exemplary, Commendable, Targeted, Comprehensive, Intensive.
District boundary, not an attendance-zone lookup. Illinois' downstate districts are unit (PK-12) districts where the district boundary is effectively the attendance area, but within-district school assignment, boundary changes, and enrollment eligibility are set by the district — confirm with them directly.
Published by ISBE 'AS IS' without warranty of any kind. Report Card figures are self-reported by districts and are a point-in-time state publication, not a verified measure of any individual student's experience. Confirm enrollment eligibility and current school assignment with the district directly.
Source: Illinois State Board of Education — Illinois Report Card (illinoisreportcard.com) and Directory of Educational Entities.
What it really costs to live here
The lines a payment calculator cannot know — read from the county record and the federal maps for this address, with the source beside each one.
Property tax, from the record
Owner-occupied
$2,183 / yr
about $182 a month
Owner-occupied, 65+
$1,600 / yr
both homestead exemptions
No exemptions
$2,621 / yr
a rental or second home
Assessed value $35,961 × the 2024 rate of 7.29% for tax code 05002 (Dry Point Township), billed in 2025. On the asking price that is an effective 2.19%.
The owner-occupied figures take the General Homestead ($6,000 off the assessed value) and Senior Citizens ($8,000) exemptions; the senior freeze, veterans’ and home-improvement exemptions are not shown and can lower a bill further. The rate is the newest the clerk has published; the next levy will move it a little, and a sale can prompt a reassessment. Sources: Shelby County Clerk, Tax Codes and Districts Catalog, 2024 (payable 2025) and the assessor's current file. The bill of record is the treasurer's: Erica Firnhaber, Shelby County Treasurer.
USDA zero-down loan
This address is in USDA-eligible territory. The Rural Development guaranteed loan needs no down payment; a modest guarantee fee (1% up front, 0.35% a year) stands in for conventional mortgage insurance. Most buyers from a city have never been told it exists.
Eligibility of the property, checked against USDA's own map on 2026-10-03. The household income limit and the home's condition are the lender's call; any USDA-approved lender can say in a phone call.
Internet
In Cowden, 100% of locations can get 100/20 Mbps service; fiber reaches 0%; gigabit 0%. Wired and fixed-wireless service on offer: Copper, Licensed Fixed Wireless, Unlicensed Fixed Wireless.
Town-level from the FCC's Broadband Data Collection — not a per-address check; confirm with the provider before you rely on it. Not endorsed or certified by the FCC.
Estimated Homeowner Payments
A planning estimate — not a loan offer, a pre-approval, or a quote. Every figure below is yours to change.
Estimated monthly cost
$845
- Principal & interest
- $547
- Taxes (from the record)
- $182
- Insurance
- $117
Taxes are this parcel’s bill from the county record — assessed value × the clerk’s 2024 rate, less the General Homestead Exemption — not a percentage of the price. The worksheet lets you change it.
Covers the mortgage payment, taxes and insurance. Open the breakdown to add utilities and an upkeep set-aside — both are real monthly costs of owning a home, and we have not guessed at them for you.
Estimates for planning only. This is not an offer to lend, a commitment to lend, or an advertisement of credit terms, and it does not include loan costs such as origination, title or closing fees — your lender provides those on a Loan Estimate. Taxes, insurance, utilities and upkeep are assumptions and will differ from actual amounts. Shelby Realty Services does not guarantee any figure shown here.
Questions About This Property
About the property
How much is 417 E Elm Street in Cowden, IL?
- 417 E Elm Street in Cowden, IL is listed at $99,900 by Shelby Realty Services (MLS #6261204). That is about $78 per square foot.
How many bedrooms and bathrooms does 417 E Elm Street have?
- 417 E Elm Street in Cowden, IL has 3 bedrooms, 1 bathroom, 1,280 square feet, 1 storey, built in 1962, on 0.32 acres.
How old is 417 E Elm Street?
- 417 E Elm Street was built in 1962, so it is about 64 years old according to the listing.
What kind of home is 417 E Elm Street?
- 417 E Elm Street is listed as a ranch-style home, on one story, with 1,280 square feet of living space.
How much land comes with 417 E Elm Street?
- The lot is 0.32 acres according to the listing.
What features does 417 E Elm Street have?
- The listing notes public sewer, a crawl space, dryer, dishwasher, gas water heater, range, refrigerator, washer included, vinyl siding construction and central air cooling. The full description and every photo are on this page.
When was 417 E Elm Street listed for sale?
- 417 E Elm Street came on the market on October 2, 2026, listed by Matt Forcum of Shelby Realty Services.
The location and the community
What school district serves 417 E Elm Street?
- 417 E Elm Street in Cowden, IL sits inside the Cowden-Herrick Community Unit School District 3A (Grades KG-12) boundary, matched to parcel 0524-03-13-301-007 rather than to the mailing address. District boundaries and school assignment should be confirmed with the district before you rely on them.
Which fire protection district covers 417 E Elm Street?
- 417 E Elm Street in Cowden, IL is in the Cowden Fire. This is the district the parcel falls in, per Illinois boundary data.
What other districts serve 417 E Elm Street?
- The parcel sits in the Lakeland Jr. College community college district, per the county's published district boundaries.
Which schools serve 417 E Elm Street?
- The district's schools are Cowden-Herrick Grade School (K - 5) and Cowden-Herrick Jr/Sr High School (PK - 12). That is the district boundary, not an attendance-zone lookup — confirm the assignment with the district.
The market
What do homes sell for in Cowden?
- 22 homes sold in Cowden in the last 24 months, at a median of $127,450 — recorded county transfers, not asking prices. The Cowden market page has the detail.
Buying it
Who is the listing agent for 417 E Elm Street?
- Matt Forcum of Shelby Realty Services, (217) 343-3400. Matt has been to the property and answers questions about it directly.
How do I arrange a viewing of 417 E Elm Street?
- Call Shelby Realty Services on (855) 215-3400, or use the showing request form on this page and the listing agent will come back to you. Shelby Realty Services is the listing brokerage for 417 E Elm Street in Cowden, IL.
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